Real-money online casinos for US players
Discover the top real-money online casinos in the US, carefully hand-picked by yours truly.
After evaluating numerous real-money casinos, these selections offer superior payouts, enabling you to play while effectively managing your bankroll.
Real-money online casino sites are legal in seven US states — New Jersey, West Virginia, Michigan, Pennsylvania, Connecticut, Delaware, and Rhode Island. However, there are significant restrictions in the latter three states. Below, I’ll also make sure you know which platforms are available in which states.
Top real-money casino sites in Jan 2026
| Casino Logo | Rating | Bonus | Go-to-casino button | Show more | T&C |
|---|---|---|---|---|---|
1
|
94/100
Expert rating
by Sophie P.
85%
Playscore
based on
|
Up to $1,000 Lossback in Casino Bonus after your first 24 hours
|
Play now players accepted |
|
Offered by Seminole Hard Rock Digital, LLC. All Rewards issued as non-withdrawable site credits. 24-hour Lossback period starts when player makes first cash wager on slots only. Up to $1,000 back in casino bonus if player has net loss on slots after first 24 hours. Casino Bonus credit has a 1x wager requirement and expires after 14 days. NJ Only. Bet with your head not over it. GAMBLING PROBLEM? CALL 1-800-GAMBLER |
2
|
91/100
Expert rating
by Denise M.
84%
Playscore
based on
|
100% bonus back up to $1,000
|
Play now players accepted |
|
|
3
|
89/100
Expert rating
by Paul P.
92%
Playscore
based on
|
100% match bonus up to $250
|
Play now players accepted |
|
|
4
|
89/100
Expert rating
by Paul P.
91%
Playscore
based on
|
100% up to $1,000 + $25 On The House
|
Play now players accepted |
|
Visit BetMGM.com for Terms and Conditions. 21+ years of age or older to wager. MI, NJ, PA or WV only. Excludes Michigan Disassociated Persons. All promotions are subject to qualification and eligibility requirements. Rewards issued as non-withdrawable site credit, unless otherwise provided in the applicable Terms. Please Gamble Responsibly. Gambling Problem? 1-800-270-7117 for confidential help (MI), 1-800-GAMBLER (NJ, PA & WV). |
5
|
88/100
Expert rating
by Paul P.
92%
Playscore
based on
|
$20 Bonus Dollars + 100% up to $1,000
|
Play now players accepted |
|
Visit Borgata.com for Terms and Conditions. 21+ years of age or older to wager. NJ only. All promotions are subject to qualification and eligibility requirements. Rewards issued as non-withdrawable site credit, unless otherwise provided in the applicable Terms. Please Gamble Responsibly. Gambling Problem? 1-800-GAMBLER. |
6
|
87/100
Expert rating
by Lisa S.
82%
Playscore
based on
|
100% Deposit Match up to $500 + 500 Free Spins
|
Play now players accepted |
|
|
7
|
86/100
Expert rating
by Vule P.
85%
Playscore
based on
|
Bonus Money reload up to $500
|
Play now players accepted |
|
|
8
|
85/100
Expert rating
by Dasha G.
86%
Playscore
based on
|
100% up to $1,000 and 2,500 Reward Credits on a $25+ wager
|
Play now players accepted |
|
|
9
|
85/100
Expert rating
by Dasha G.
87%
Playscore
based on
|
Deposit $10, get 500 Bonus Spins + $40 Casino Bonus
|
Play now players accepted |
|
|
10
|
85/100
Expert rating
by Paul P.
86%
Playscore
based on
|
$25 bonus bet
|
Play now players accepted |
|
|
1
|
94/100
Expert rating
by Sophie P.
81%
Playscore
based on
|
50,000 Gold Coins + 1 Sweeps Coin
|
Play now players accepted |
|
|
2
|
94/100
Expert rating
by Paul P.
91%
Playscore
based on
|
1.5 million WOW Coins + 35 free Sweepstakes Coins
|
Play now players accepted |
|
|
3
|
94/100
Expert rating
by Sophie P.
85%
Playscore
based on
|
50,000 Gold Coins + 1 Sweepstakes Coin
|
Play now players accepted |
|
|
4
|
93/100
Expert rating
by Sophie P.
79%
Playscore
based on
|
50,000 Gold Coins + 1 Sweeps Coin
|
Play now players accepted |
|
|
5
|
89/100
Expert rating
by Sophie P.
77%
Playscore
based on
|
50,000 Gold Coins + 1 Sweeps Coin
|
Play now players accepted |
|
|
6
|
89/100
Expert rating
by Paul P.
81%
Playscore
based on
|
10,000 Gold Coins + 2 Sweeps Coins
|
Play now players accepted |
|
|
7
|
89/100
Expert rating
by Paul P.
79%
Playscore
based on
|
25,000 Gold Coins + 2.5 Spree Coins
|
Play now players accepted |
|
|
8
|
89/100
Expert rating
by Paul P.
87%
Playscore
based on
|
Up to 120,000 Gold Coins + 10 Sweeps Coins
|
Play now players accepted |
|
|
9
|
89/100
Expert rating
by Vule P.
79%
Playscore
based on
|
500 Gold Coins + 3 FREE Sweeps Coins
|
Play now players accepted |
|
|
10
|
89/100
Expert rating
by Paul P.
89%
Playscore
based on
|
Up to 650,000 Gold Coins + 1,400 Fortune Coins
|
Play now players accepted |
|
My picks for top three real-money casinos
Here are my personal top three real-money casinos. Each one is distinguished by unique features that set them apart from each other.
🥇#1 Hard Rock Bet Large and easily convertible welcome bonus
One of the safest moves as a player to get your credit converted into real money, is to play live casino. This category of games has the lowest house edge, therefore the highest chances to make a real-money payout.
This is exactly why Hard Rock Bet is on this list – it has one of the largest live casino sections on the US market, with over 70 titles to pick from.
Couple that with a sizable welcome offer of 100% up to $1,000 + $25 bonus credit, and you’ve got yourself a recipe for success.
Banking options
Hard Rock Bet’s got 10 deposit methods available for its customers, and 6 of them are also available for withdrawals. While we don’t see credit cards included in the payments list (and mostly e-wallets), we do see the option of withdrawing cash via Casino Cage.
Pros
- Variety between
- Can make cash withdrawals
- Large real-money bonus
Con
- Mostly e-wallets for withdrawals
🥈#2 Horseshoe Fast withdrawals
Horseshoe should be your go-to option if you want your winnings in your account as quickly as possible. The platform has a range of e-wallet options that have near-instant withdrawals — which are processed 24/7 — once approved. On top of that, Horseshoe doesn’t cap jackpot cashouts.
Banking options
Horseshoe’s eight payment options are closer to the bottom end of the standard industry range of 6–15, but all are safe and well-known choices. As mentioned above, the site makes up for its smaller range of payments with faster processing times than its competitors. Furthermore, if you want to withdraw just $1, Horseshoe will allow that.
Pros
- PayPal, Venmo, and Play+ payment methods
- No withdrawal limits on jackpots
- Low wagering requirement (1x)
Con
- Not all bonuses available on-site
🥉#3 SugarHouse Low wagering requirements
If you want to see your bonus as real money as soon as possible, then the top recommendation would be SugarHouse. It has one of the lowest wagering requirements out there (x1). For high rollers, they have a 50,000 max deposit, too — so you can start playing for big bucks ASAP.
Banking options
Sugarhouse covers its bases well, giving players nine payment methods, including PayPal, ACH, Visa, MasterCard, and even Discover. Like Horseshoe, Sugarhouse takes into account all players by providing a minimum deposit and withdrawal amounts of $10.
Pros
- Low wagering requirement (1x)
- Speedy withdrawals
- High max deposit
Con
- Limited no-deposit bonus options
Real-money casino category winners
Each casino listed shines in a real-money category. The categories help you to quickly find the best real cash casinos for you.
| 🏆 Best for | 🎰 Casino | ⏩ Payout speed | 💸 Maximum withdrawal | 🗺️ States available |
|---|---|---|---|---|
| Overall | Horseshoe | 5–24 hours | Depends on payment method | NJ, MI, PA, WV |
| Mobile | SugarHouse | 5–24 hours | $25,000 | PA |
| Payouts | Borgata | 72+ hours (average) | $100,000 | NJ, PA |
| Slots | BetMGM | 72+ hours (average) | $100,000 | NJ, MI, PA, WV |
| Providers | PlayStar | 5–24 hours | Depends on payment method | NJ |
| Security | BetRivers | 5–24 hours | $25,000 | NJ, MI, PA, WV |
| VIP program | Caesars | 72+ hours (average) | Depends on payment method | NJ, MI, PA, WV |
| Offers | Stardust | 5–24 hours | $10,000 | NJ, PA |
| Jackpots | PartyCasino | 48–72 hours | Depends on payment method | NJ |
| Withdrawals | bet365 | 24–48 hours | $38,000 | NJ |
| Games | Harrahs | 24–48 hours | $100,000 | NJ |
Key terms in real-money gaming
Game for as long as I have, and you start to see the same terms pop up again and again. I’ve compiled some of the most common and vital ones below.
House edge
The advantage that a casino has over a player. Usually represented by a percentage. Can vastly differ from game to game.
House rules
The specific rules that an individual casino might set on a particular game. Can be adjustments to existing rules, or new rules entirely.
Return-to-player percentage (RTP)
The percentage of your money that you expect to return to you in the long term. Games with a higher RTP usually mean more wins in the long run.
Volatility
The risk-to-reward level of a game. A game with low volatility usually means frequent small wins, while high volatility usually means rare large wins.
Bankroll
Your funds available for betting. Make sure to manage your bankroll wisely, setting limits and never chasing losses.
High roller
A high roller is a person who bets big amounts hoping to win huge prizes. It’s a risky endeavor, so think twice before becoming one.
Real-money games house edges
Understanding the house edge is vital when it comes to playing real-money casino games. The number, which represents the advantage that a casino has over the players, gives you an indication of how much profit the casino will make in the long run.
Knowing and understanding these numbers allows players to decide what level of risk and reward they’re comfortable with and choose the games they want to play accordingly.
I’ve picked the most popular real-money games, and displayed the house edges below:
| Game type | House edge |
|---|---|
| Slots | 1–10% |
| Blackjack | 0.5–2% |
| Roulette | 5% |
| Baccarat | 1–1.2% |
| Craps | 1–10% |
| Keno | 20–40% |
Online casino payments for real money
Online casinos use a variety of payment methods, and all have their advantages and drawbacks. It’s important to understand exactly how they work, with factors like withdrawal times and minimum and maximum deposit limits, as the decision on which one to use comes down to what’s important to you personally.
I’ve gone over the most popular payment methods below, to help you make more informed decisions when handling your bankroll.
Debit cards
A familiar option, sometimes it’s easier for me to stick to the same card that I use for daily expenses. Be careful though — not all jurisdictions accept debit card withdrawals, so check your state regulations before whipping out your handy VISA card.
Bank transfer
Probably the most commonly accepted method, bank transfers are reliable and safe. However, they tend to have withdrawal times of several days. Transfers from Trustly allow you to withdraw into a different account from your deposits, but it’s not accepted everywhere.
E-wallets
A great method for privacy, e-wallets like PayPal and Skrill let you make transactions without handing over your bank details. E-wallets tend to have the lowest minimum deposits and fastest transactions but are not widely accepted.
Credit cards
My least recommended option. While usually allowed for deposits, credit cards can never be used for withdrawals. If the casino forces you to withdraw using an already-used deposit method, you’ll have to make a second deposit to withdraw any winnings.
ACH transfer
A great method for both low spenders and high rollers, with very low minimums and high maximums. You’ll still have to deal with the long bank withdrawal times, however.
Cash at the casino cage
It doesn’t get more real than actually hauling a stack of cash over to Atlantic City. Many online casinos allow in-person options, but this can be drag for anyone outside of NJ.
Remember that most real-money casinos will not allow you to withdraw through a payment method that you have not used for a deposit. The best tactic is to find one payment method and stick with it. I personally like to go for casino Play+ cards, as they often come with promos and have the best transaction times and limits.
How to sign up at a real-money online casino
Interested in trying out a real-money casino? Here’s a simple step-by-step guide to signing up for one:
- Pick one of the reputable online casinos I’ve listed above.
- Head to the casino’s website or download its app.
- Hit the ‘Sign up’ or ‘Register’ button, usually on the top right corner of the homepage.
- Register with your email address and choose a username and password.
- Fill in your personal information like your name, address, phone number, and birthdate.
- Agree to the site’s terms and conditions.
- Verify your identity with the required documents, such as an approved ID.
Real-money casino pro tips
There are some ways you can give yourself an edge when playing at real-money casinos. Here are a few useful expert tips I like to remember.
- Always play at licensed real-money casinos from legal US states.
- Never chase losses, instead take a break and return with a clear mind.
- Research the odds and volatility of the game or slot you’re playing.
- Stick to a daily, weekly, and monthly budget. Use RG limiters to help stick to the budget.
- Stick to smaller jackpots when playing progressive jackpots.
- Carefully read the terms and conditions of any bonus you wish to use.
- Research and use strategies for games like poker and blackjack.
FAQs
Is it safe to play at online casinos with real money?
Playing with real money is safe when you choose casinos licensed in legal US states like New Jersey, Michigan, Pennsylvania, West Virginia, Delaware, Connecticut, and Rhode Island. These sites use encryption, third-party game testing, and clear payout policies, and Time2play only recommends operators that pass internal safety reviews and regulatory checks.
How do I start playing at an online casino for real money?
To get started, pick a reputable, legal real-money casino, create an account with your personal details, verify your identity, and make a first deposit using one of the supported payment methods. Once funded, you can claim any available welcome bonus, then choose your preferred games (slots, table games, live casino) and start wagering within your set budget.
What is the minimum amount of money I need to deposit to play?
Most US real-money casinos accept low minimum deposits, typically around $10, which is enough to unlock welcome offers and start playing. Some sites may let you deposit slightly more or less depending on the payment method, but $10 is a common baseline across Time2play’s top-rated brands.
Can I try casino games for free before playing with real money?
Yes, many online casinos offer demo or “play for fun” versions of slots and other games so you can practice without risking your bankroll. You can also use no-deposit bonuses or free spins, where available, to test the platform while still having a chance to convert winnings into real cash after meeting wagering requirements.
Are real money casino bonuses actually free?
Real-money casino bonuses are not completely “free,” because they come with terms such as wagering requirements, game restrictions, time limits, and sometimes maximum cashout caps. They are valuable bankroll boosters if you understand and accept the conditions, but you must play through the bonus according to the rules before it turns into withdrawable cash.
What are the best real money online casinos for US players?
Our top real-money casinos for US players currently include Hard Rock Bet, Horseshoe and SugarHouse. Each is excelling in areas like payouts, bonuses, game variety, or mobile experience.
